| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 555 E. LANCASTER AVENUE STE. 300 RADNOR, PA 19087 | INDEPENDENCE | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $40K | $40K | 1.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | P.O. BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 1.13% |
| CES INSURANCE, INC3 Filed as: CES INS AGENCY INC | 29 SAWYER RD WALTHAM, MA 02453 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | — | $85K | 4.29% |
| CES INSURANCE, INC3 Filed as: CES INS AGENCY INC | 29 SAWYER RD WALTHAM, MA 02453 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27K | $27K | 2.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING. INC | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $96 | $18K | 1.63% |
| HOLT LUNSFORD3 Filed as: HOLT, HEATH A. | 40 MONUMENT RD STE 107 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $57K | $26K | $84K | 16.68% |
| FISHMAN HARRIS S3 Filed as: FISHMAN, HARRIS S. | 2 BALA PLZ STE 901 BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24K | $8K | $32K | 6.31% |
| RUBIN ANDREW DAVID3 Filed as: RUBIN, ANDREW DAVID | 40 MONUMENT RD BALA CYNWYD, PA 19004 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $218 | $2K | 0.40% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 555 E. LANCASTER AVENUE STE 300 RADNOR, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 10.91% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 400 ATRIUM DR FL 5S SOMERSET, NJ 08873 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 12.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 555 E. LANCASTER AVENUE STE. 300 RADNOR, PA 19087 | INDEPENDENCE | $588 | — | $588 | 0.67% |
| AON CONSULTING INC3 | 29840 NETWORK PL CHICAGO, IL 60673 | RELIASTAR LIFE INSURANCE COMPANY | $231K | — | $231K | 418.61% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 6 carriers) | INDEPENDENCE | 5,444 | $42.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 31 | $407K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,850 | $727K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,716 | $3.5M |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 123 | $502K |
| Prescription drug(7 contracts, 6 carriers) | INDEPENDENCE | 5,444 | $42.7M |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,173 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,444 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.